20 19 the down payment ratio of the first suite in Jiaxing and the loan interest rate of the first suite certification policy.

Source network, for reference only, before the Spring Festival of the Year of the Pig, the central bank and the China Banking Regulatory Commission issued a new mortgage policy, and the down payment for the first suite in the city could be reduced to 20%. After half a month's fermentation, the new mortgage policy released before the Spring Festival has landed one after another.

On February 18, I called many banks in the city and learned that all banks (Bank of China, Industrial and Commercial Bank of China, Shanghai Pudong Development Bank, etc. ) has begun to implement the new policy of 20% down payment for commercial loans, and it will take several months for branches to implement it. In addition, the bank will still review the borrower's qualifications according to the borrower's personal credit information and the purchased property.

In fact, most banks have not fully implemented the New Deal.

"Branch notice hasn't been sent. If all other banks are 20%, we will also reduce the price. The exact time cannot be estimated. It will take several months. " An account manager of Jiaxing Agricultural Bank said.

I also learned that the following popular properties in Jiaxing have followed the New Deal and explicitly implemented the 20% down payment for commercial loans:

Ninetowns? Family cooperative bank: (Bank of China)

Zi Yuan? Shangyuan: (Bank of China)

Youyou Garden: (No loan record is required)

It is understood that the benchmark interest rate for mortgages over five years has dropped to 4.9%, reaching an all-time low. Then, if the down payment ratio is lowered, will buyers actively embrace the New Deal?

I'll help the buyer calculate an account first. Take the total price of 6,543,800 yuan and the loan period of 30 years as an example. According to the previous down payment of 30%, that is, 300,000 yuan and commercial loan of 700,000 yuan, it will be paid off in 30 years. Calculated according to the current commercial loan interest rate of 4.9%, the monthly repayment is 37 15 yuan according to the equal principal and interest method, and the total interest expenditure is 637,400 yuan. The New Deal stipulates that the down payment of 20% to 200,000 yuan and the commercial loan of 800,000 yuan will also be paid off in 30 years. At the same interest rate, according to the equal principal and interest, the monthly repayment is 4,245 yuan, and the total interest expense is 728,400 yuan.

In contrast, now the down payment is 654.38+million less, and 530 yuan interest is paid more every month, and the total interest is increased by 965.438+million. In addition, I found that buyers with less down payment are more sensitive to the New Deal, while those with enough down payment are worse.

Mr. Wang, who lives in Chengnan Garden, is considering buying a wedding room for his son. Mr. Wang took a fancy to a new building in the south of the city, with three bedrooms, two halls and two bathrooms, 1.20 square meters. The unit price is about 7500 yuan per square meter, and the total price is about 900 thousand. "I will pay tens of thousands of yuan less. I feel that I still have to pay more down payment, so that the children can pay off the loan as soon as possible! " Mr. Wang said.

"Now the interest rate is very low. Of course, the loan can be kept for 30 years. Now the money in hand is money! " Ali, who lives in Canal New Town, was born in 1980s. She told reporters that her and her husband's current wedding room is under the name of their parents-in-law, and the young couple have no room. Recently, Ali and her husband plan to buy an improved ordinary house in Nanhu New District. Considering the demand of the school district, the total budget is less than 6.5438+0.5 million yuan. Ali calculated an account, and the couple can now borrow 600,000 provident fund loans, with a down payment of 20% and 300,000, and then borrow 600,000 commercial loans. Ali said: "The down payment is reduced by 10%, and the payment is less than 100000. The pressure is much less instantly! "

It rains frequently in the property market, and the word "loose" takes the lead, eliminating inventory.

Previously, the minimum down payment ratio for the first and second suites of the national provident fund loan has dropped to 20%. The downward adjustment of the down payment ratio of commercial loans is widely interpreted by the industry as a new "destocking" measure released by the government to ease the pressure on housing inventory and promote demand to enter the market.

Since then, the state has reduced the cost of buying houses through several rounds of RRR cuts, interest rate cuts, down payment and tax cuts, aiming at promoting market demand. In fact, the local property market in Jiaxing has indeed picked up, and an ideal report card was handed over at the end of the year. Many people in the real estate industry believe that this new policy will have many positive effects on the subsequent development of the property market.

Lu also told the media that this policy should achieve a "win-win" result, the purchasing power of buyers will be amplified, and the government can better promote "destocking".

At the same time, bank staff told reporters that the more loans, the higher the requirements for issuing salary certificates and bank cards, and many property buyers are stuck.